Need Help on how to get health insurance while traveling

We have a mail service in Florida, we have no other address at the moment. I'm told to be able to use our mail service address as a residence I have to get a fla. drivers license and register and insure my vehicles in Florida.Not changing my vehicles since they are registered with my LLC. My thought was to rent a room somewhere in Florida to use the address and then try to get a policy. Why would I have to have a vehicle registered in the state just to get insurance if I had an address. This whole thing has made it very difficult because as far as I know, I am only covered now for emergency rooms. When they move you out of the emergency room, your NOT covered anymore. This worries me on a daily basis.

Katy19 wrote:
The travel insurance is through DAN. Divers Alert Network. I also have their dive insurance (different plan) put it is not required if you just want to buy the travel ins. policy. We have not used it yet. I plan on usually paying cash or cc then submitting it for reimbursement. We are 58 and 59 yrs old. We pay 500/yr.

I found their website, and of course it doesn't have many details. Is incurring the expenses and submitting for reimbursement how the plan works? It could be, since they may not care how much you're paying as long as there's a cap on what they'll have to pay, and if you run up an unnecessarily large bill, that's not their problem.

Also, do you know what your policy defines as a "trip"? The website said it had to be more than 100 miles from home, which is no problem because one's regular insurance would cover the stuff close to home. But I'd want to be sure that being away from "home" for a year or more at a time would still be considered a "trip."

I'll also note that it excludes coverage for pre-existing conditions.

But I'm thinking that for people in a state that has Ambetter EPO policies (18 states), an arrangement like this might be an option, assuming a person has access to Ambetter's network in whichever states it operates, regardless of which state the policy was issued in. I don't know.

And Ambetter doesn't offer any out-of-network coverage at all, but then again neither do HMOs. At least with Ambetter, there might be options other than going to your home network, if all states where Ambetter issues policies are considered in-network.

Hello, we have Kaiser in northern Californian through the ACA. We used to use BC but they changed from a decent PPO to a terrible EPO that forced all local care to be done at the local very $$$ hospital. We used to be able to drive 40 minute to Reno, NV and get reasonable care. We changed to Kaiser and use a family members address. We recently sold our home so we are also mobile in the RV or in Mexico.

Our plan has a high deductible and we now also buy a annual travel insurance policy. I dont care about travel reimbursement but it also gives us 50,000 in health insurance. SInce we ski all winter, being without insurance coverage is not a good idea. Kaiser covers us in an emergency. I figure if its not a big enough emergency and they want us back in California, 50,000 is enough to cover stabilization, imaging and some testing.

When I communicated with Kaiser regarding coverage, I did it through email so i can keep all the correspondence in my records. The travel insurance is through DAN. Divers Alert Network. I also have their dive insurance (different plan) put it is not required if you just want to buy the travel ins. policy. We have not used it yet. I plan on usually paying cash or cc then submitting it for reimbursement. We are 58 and 59 yrs old. We pay 500/yr.

I was in direct healthcare for 25+yrs. We used to get an occasional patient that an insurance company would state was not “critical enough” and would require them to go home for treatment after they were stabilized. You could look for different travel insurance plans. World Nomads is another one.

allen8106 wrote:
Check out the Escapees club. I believe they offer some plans for full timers.

They don't offer major medical insurance that has access to a nationwide network, which is what fulltimers want.

Check out the Escapees club. I believe they offer some plans for full timers.

Ro"n"Joe wrote:
We're going to set up our domicile with MyRVMail in Crestview, FL this summer. I called concerning ACA PPO plans and they are still available in the area.

Just because a plan is a PPO doesn't mean it has a nationwide network, and that's what fulltimers need. I ran across this a couple of years ago, where there were PPOs (yay!) that turned out have only a local network (boo!). It took some digging to get the details on the extent of the network.

In Florida, if you go with a Blue Cross PPO (as opposed to their HMO plans), you'll have access to their nationwide network. But in other states or with other insurance companies, it's imperative to investigate how broad the network is, and not just whether it's a PPO.

We're going to set up our domicile with MyRVMail in Crestview, FL this summer. I called concerning ACA PPO plans and they are still available in the area.

lbrjet wrote:
Used to be covered in an emergency. Starting in 01/17 BCBS ACA HMO plans only cover when you are in the emergency room. Get admiited to the hospital upstairs and your coverage ends. That is what happened in AZ anyways, CT was probably the same.

I've always been uneasy about what would happen in the case of an emergency while traveling. Obviously the emergency room would be covered, but I've never found anything even remotely definitive on what happens after that--like when the "emergency" ends. Worse, I assumed it was up to the insurance company to deem when the emergency ends, and they have a financial dog in that fight.

That's one reason I've always thought having some of out-of-network coverage is important--so there's an insurance company to at least be involved in fighting it out with the providers, even if the insurance company isn't really on your side. But out-of-network coverage is becoming increasingly hard to get.

But like I said, I think Connecticut might be one of the states that does have an ACA plan with a nationwide network. If so, it's apparently not the one the OP chose (understandable, since Blue Cross insurance tends to cost more than other providers), which is causing the current predicament.

RGar974417 wrote:
But as to the OP's delema,I remember buying special medical coverage when traveling outside the US.I did a short search and found several sites that offer insurance both inside and outside the country. I didn't look at costs but plans are out there like this one:https://www.gninsurance.com/travel-insurance-inside-the-usa/

In the one you linked to, it appears that the pre-existing condition exclusion means only that they won't pay for treatment of that condition, and not that you are prohibited from getting the policy at all. That's encouraging, and could be a good option.

I just want coverage in our states. I wouldn't dream of having any in another country when we cant even cover our people in our own continent.

Imbriaco wrote:
Very, very, very limited options outside of an employer sponsored plan. And what so many people don’t seem to realize, if not for the affordable care act, there would be even less AND they would be way more expensive.

I spent my career in healthcare. The commercial insurance industry and capitalism isn’t and will never be a viable option. At least from the consumers perspective

Wow! Our insurance was affordable before the Affordable Care Act.Afterwards it went way up for everyone I know. My cousin and her husband, both self employed could no longer afford it and went with one of the Christian Healthcare options.Our out of pocket went up to $7,000. As others have said,politicians always crews things up. But as to the OP's delema,I remember buying special medical coverage when traveling outside the US.I did a short search and found several sites that offer insurance both inside and outside the country. I didn't look at costs but plans are out there like this one:https://www.gninsurance.com/travel-insurance-inside-the-usa/